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Company Analysis

Velocity Financial, Inc. VEL

A comprehensive view of key metrics, scores, and financial health for Velocity Financial, Inc.

Overview of Velocity Financial, Inc.

VEL NYQ
Financial Services Mortgage Finance Small Cap
Velocity Financial, Inc. (VEL), is a Small Cap company, in the Mortgage Finance industry, last closed at $17.41, about 2.8% overvalued vs fair value, -9.1% 1Y return, placing in the top 10% of its sector.
$17.41
-2.14%
As of March 13, 2026
Previous close • Vol 90d: 26.1%
52-Week Range
Market Cap
$699.81M
Enterprise Value
$6.75B
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.velfinance.com
HQ Westlake Village, CA
Employees 309
Fiscal year Dec 31

Next Events

Earnings Mar 11 Call: Mar 11

Fair Value Snapshot

Bear Base Bull
$9
$17
$32
Current: $17.41 -3% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$413.3M
30.8%%
Interest Expense
$271.0M
Net Interest Income
$142.3M
26%%
Total Revenue
$211.7M
36.2%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
13.1%
Good

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$1.1B
1597.0% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
2
Active Leaks
0/2
Improving
0
High Impact
1
Critical
Locked Leak
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Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Velocity Financial, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
67
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Strong
86
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Generic Industrial / Default vs Industry Peers 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing VEL's balance between Growth (37.8%), Profitability (36.0%), and Safety (26.2%). Growth 38% Safety 26% Profitability 36%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

77th percentile vs peers
77
Key Signals
Rev Growth YoY 36.1% 83p Revenue CAGR 3Y 41.1% 88p EPS CAGR 3Y 30.6% 83p EPS Growth YoY 26.2% 50p
Strengths
  • Rev Growth Yoy in top 20% of peers (36.1%, 83th percentile)
  • Revenue Cagr 3Y in top 20% of peers (41.1%, 88th percentile)
  • Eps Cagr 3Y in top 20% of peers (30.6%, 83th percentile)
  • Superior capital returns - 2 return metrics above peer median
  • Growth above peer median with strong metric coverage (90%)
Risks

No significant risks identified for this axis.

Profitability

73th percentile vs peers
74
Key Signals
Strengths
Risks
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Safety

53th percentile vs peers
54
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for Velocity Financial, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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Bear
-
- - -
- upside
-
Base
$16.92
- - -
-2.8% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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